Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
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Navigating the complex world of Medicare can be frustrating. We're here to make it easy and be a resource you can depend on year after year.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
The Fuller Agency proudly works with these carriers and more:
ABOUT FULLER AGENCY
Your Trusted Insurance Professionals
Fuller Agency was founded by Kimberly Fuller, an independent licensed health insurance agent. Fuller Agency represents a variety of insurance companies in Texas. We help compare options with Medicare Advantage Plans, Medicare Supplement (Medigap) Plans, and Medicare Part D Drug Plans. We will help you take the guesswork out of Medicare by answering your questions and checking networks, drug costs, benefits, and more. Our assistance is provided with no additional cost or obligation to you. We would love to help you!
Frequently Asked Questions:
Do I have to sign up for Medicare if I'm still working & covered by my employer group health plan?
If you are still working and covered by your employer group health plan and your employer has 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits to your employer plan.
How much do I have to pay for Medicare?
In 2024, the standard Medicare Part B premium amount is $174.70/month. If you didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2022 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount). Find out more info here: https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles
How do I know if I should choose a Medicare Supplement Plan or a Medicare Advantage Plan?
This is a personal decision and everyone is different. Kimberly's parents are both on Medicare plans and each chose a different option. Her mom hates risk and would rather pay more in premiums to lower her health care risk. Her dad is the opposite. He didn't want to pay an additional premium and also wanted the extra benefits Medicare Advantage Plans provide. He has been saving all the money he would have paid for a Medicare Supplement Premium. Both parents are very happy with their decisions! It just goes to show there is a plan for everyone.
Why should I use an independent agent?
As independent agents, we don't work for just one insurance company. We represent multiple companies including United HealthCare, Aetna, Humana, Blue Cross Blue Shield, Amerigroup, Cigna, Wellcare, Omaha, and more. Different companies and plans could be a better fit for different people.
We are able to help you by comparing plans available in your area that meet your needs. We will check networks to find out which plans your doctors accept, and will check drug costs to find the best Part D Drug plan for you. There is never any pressure. We are here to help answer your questions you have now and in the future. We are able to help you get enrolled and help with plan changes in the future.
Also, there is never any cost to use for our services and we take your privacy very seriously. Your info is never shared.
HAVE A QUESTION?
Get In Touch With Us
By submitting this form and providing your information (such as name, phone number, and/or email address), you understand that you are giving permission to have a licensed sales agent from Fuller Agency contact you by email, telephone or by text to provide additional information about products and services. We do not share or sell SMS opt-in, or phone numbers for the purpose of SMS.
Your consent is voluntary and you can opt-out of future communications at any time. You may contact us to change your preferences at any time. Data use charges and rates from your cellular carrier may apply.
Please note, the person who will discuss the products is either employed or contracted by a Medicare plan. They do not work directly for the Federal government. This individual may also be paid based on your enrollment in a plan.
Submitting this form does NOT obligate you to enroll in a plan, affect your current or future enrollment status, or automatically enroll you in a Medicare plan